I am retiring at 63 which is a little less that 21 months from now.  Our home will be paid off next year and we will be completely debt free.  I have two pensions from previous employers and with my social security, I won't have to touch my IRA or Roth.  Everything I have read says to try and be debt free before retirement, but then they say if you are going to make a major purchase: downsizing to a smaller home, buying a RV or vacation property, you should do that before you retire as your credit score goes down when  your income stops?  Has anyone else heard this?  I do want to purchase a van size RV; either a Roadtrek N6, Sportsmobile RB11 or a Pleasureway Traverse.  The all get good gas mileage and I can drive it instead of my regular car.  ANd, they all cost over $80,000 new.  that is more that I paid for my house almost 30 years ago.  I will have to rethink the RV thing or maybe find one that is used with low mileage.  Would love to hear what others are doing to plan for early retirement.